Discontinued — last reported Q1 '25
Provision for Credit Losses
Affirm Holdings, Inc. Provision for Credit Losses decreased by 8.2% to $196.54M in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 33.5%, from $147.25M to $196.54M. Over 4 years (FY 2021 to FY 2025), Provision for Credit Losses shows an upward trend with a 74.9% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests management expects higher default rates or a deteriorating credit environment, while a decrease suggests improved borrower quality.
Detailed definition
This represents the non-cash expense set aside by a financial institution to cover potential losses from loans or credit...
Peer comparison
Common in banking and credit card issuers; peers adjust this based on macroeconomic forecasts and portfolio seasoning.
provision_for_credit_losses_cfHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $25.49M | $63.65M | $52.64M | $66.29M | $72.69M | $64.25M | $106.69M | $66.44M | $94.48M | $99.70M | $120.88M | $122.44M | $117.61M | $159.82M | $152.98M | $147.25M | $156.63M | $162.75M | $214.15M | $196.54M |
| QoQ Change | — | +149.7% | -17.3% | +25.9% | +9.6% | -11.6% | +66.1% | -37.7% | +42.2% | +5.5% | +21.2% | +1.3% | -3.9% | +35.9% | -4.3% | -3.7% | +6.4% | +3.9% | +31.6% | -8.2% |
| YoY Change | — | — | — | — | +185.2% | +0.9% | +102.7% | +0.2% | +30.0% | +55.2% | +13.3% | +84.3% | +24.5% | +60.3% | +26.6% | +20.3% | +33.2% | +1.8% | +40.0% | +33.5% |
Provision for Credit Losses at Other Companies
Frequently Asked Questions
- What is Affirm Holdings, Inc.'s provision for credit losses?
- Affirm Holdings, Inc. (AFRM) reported provision for credit losses of $196.54M in Q1 2026.
- How has Affirm Holdings, Inc.'s provision for credit losses changed year-over-year?
- Affirm Holdings, Inc.'s provision for credit losses increased by 33.5% year-over-year, from $147.25M to $196.54M.
- What is the long-term trend for Affirm Holdings, Inc.'s provision for credit losses?
- Over 4 years (2021 to 2025), Affirm Holdings, Inc.'s provision for credit losses has grown at a 74.9% compound annual growth rate (CAGR), from $65.88M to $616.68M.
- What does provision for credit losses mean?
- The amount of money a lender sets aside to cover expected losses from unpaid debts.